98 Teal Cir, Berlin, MD 21811 Property Records

Worcester County property record for 98 Teal Cir, Berlin, MD 21811

Property Summary

Property Type	Single Family Home
Details	1 ba · 1,032 sqft · built 1975
Lot Size	0.192 acres (8,358 sqft)
Owner	2 Individual Names on File
Last Sale	$249,000 (Jun 2022)
Tax Bill	$2,178 (2026)
Deeds & Mortgages	Jun 2022 Sale & Mortgage Sep 2017 Sale & Mortgage
Flood Zone	Zone X (moderate risk)
APN	`03-052877`

Property Details

APN / Parcel Number

Primary APN	`03-052877`
Alternative APN	`052877`

Interior

Full Baths	1 Bath
Stories	1 Story
Building Area	1,032 sqft Total Area

Exterior

Year Built	Built 1975
Effective Year Built	Effective 1975
Exterior Material	Siding
Roof Material	Composition Shingle
Lot Area	8,358 sqft (0.192 acres)
Porch	Porch
Porch Area	288 sqft
Deck Area	444 sqft

Utilities, Heating & Cooling

Heating System	Forced Air with A/C
Sewer	Connected

Location & Zoning

Account Number	052877
Street Address	98 TEAL CIR
City	BERLIN
State	MD
Zip	21811-1542
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-3
Legal Description	LOT B-04-031 8358 SQ FT TEAL CIRCLE PL OCEAN PINES SEC 4
Legal Subdivision	OCEAN PINES SEC 04
Legal Lot Number	31
Jurisdiction	WORCESTER MD
Township / Civil Division	6, NORTHERN
Census Block Group	1
Census Block	1003
Census Tract	950600

Owner

98 Teal Cir is owned by two individuals who bought it in June 2022.

Source: Worcester County records, as of October 6, 2026

Owner of Record	2 Individual Names on File
Mailing Address	405 HELMSMAN WAY, SEVERNA PARK, MD 21146-1445
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Jun 17, 2022	Deed, Transfer · Conventional Mortgage TOWER FCU
Sep 5, 2017	Grant Deed, Transfer · Conventional Mortgage PRIME LNDG

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Jun 17, 2022 · Amount on File
Deed Sale	Jun 17, 2022 · Amount on File
Prior Sale	Sep 5, 2017 · Amount on File
Deed Book / Page	8409 / 57
Prior Transfer Date	Jan 29, 2010
Prior Transfer Doc	0054230299
Record Updated	Oct 29, 2026

June 2022: Deed, Transfer

Document Type	Deed
Jurisdiction	WORCESTER MD
Recording Date	Jun 17, 2022
Property Address	98 TEAL CIR, OCEAN PINES, MD 21811-1542
Document Number	0084090057
Book / Page	8409 / 57
Map Reference	MB FWH 11 FO 54
Instrument Date	May 26, 2022
Transaction Type	Transfer
Record Updated	Jun 29, 2022
Title Company	NOT AVAILABLE, MID ATLANTIC STLMT SVCS LLC

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	405 HELMSMAN WAY, SEVERNA PARK, MD 21146-1445

Mortgage

Document Number	0008409061
Date	Jun 17, 2022
Instrument	8409-061

Lender

Name	TOWER FCU
Type	Credit Union

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Jun 1, 2052

September 2017: Grant Deed, Transfer

Document Type	Grant Deed
Jurisdiction	WORCESTER MD
Recording Date	Sep 5, 2017
Property Address	98 TEAL CIR, OCEAN PINES, MD 21811-1542
Document Number	0070690442
Book / Page	007069 / 000442
Instrument Date	Sep 1, 2017
Transaction Type	Transfer
Record Updated	Dec 4, 2017
Title Company	RESORT LAND TITLE AND ESCROW

Transaction

Amount	Amount on Record
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$145.00
Amount Accuracy	Confirmed
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Tenants by the Entirety
Address	24 LAKEVIEW DR KINNELON NJ 074053114, KINNELON, NJ 07405-3114

Mortgage

Document Number	70690446
Date	Sep 5, 2017
Book Page	007069/000446

Lender

Name	PRIME LNDG
Address	DALLAS, TX 75252

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	360 Months
Due	Sep 4, 2047

Tax Assessment & Valuation

The 2026 property tax bill for 98 Teal Cir was $2,178, up 8.7% from the year before.

Source: Worcester County assessment roll, as of October 6, 2026

Property Jurisdictions

Type	Name
State	Maryland
County	Worcester County
Unified School District	Worcester County Public Schools (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$2,178.00 (+8.68%)	$235,967 (+8.67%)	$254,800 (-) Land $81,200 Building $173,600
2025	$2,004.00	$217,133	$254,800 Land $81,200 Building $173,600
2023	$1,783.00	$186,333	$198,300 Land $81,200 Building $117,100

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 98 Teal Cir in Zone X, an area of moderate flood risk, within 500 ft of a high-risk flood zone.

Source: FEMA National Flood Hazard Layer, effective June 4, 2020 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X moderate risk
500-Year Floodplain	Yes 0.2% annual chance
Nearest Special Flood Hazard Area	Zone AE, within 500 ft
Flood Insurance Requirement	Not required lenders may require it
Flood Insurance Cost	Premium on File median of 351 individual policies
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	388 units insured incl. 37 condo units
Nearby Flood Claims	78 (1978–2021)
Claims Outside the SFHA	13 of 78
Most Recent Claim	Oct 2021 · rainfall accumulation
Claims by Event	Hurricane Sandy, Oct 2012 · 7 claims Hurricane Isabel, Sep 2003 · 3 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 98 Teal Cir is low, with less than a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 99.8% of the US · lower than 99.8% of Maryland
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OCEAN PINES serves 11,890 people · EPA ID MD0230005
Water Source	Groundwater
Last State Inspection	Jan 2024
Lead	3 ppb (2021–2023) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 467 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
Mediacom Xtream Cable	1,000 / 50
Verizon Fixed Wireless	300 / 20
T-Mobile Fixed Wireless	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

Nearby Properties on Teal Cir

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